How big is the difference between buying a house and not buying a house?

There are still big differences, such as:

First, psychological differences. If you buy a house, you need to pay a monthly payment every month for the next n years.

At the same time, because a large amount of money is used to buy a house, it leads to family cash flow.

Nervous, the ability to resist risk is reduced, and life will be tight. On the other hand, if you don't buy a house, your life is relatively easy, and you don't have to pay back the monthly payment. You only need to spend a part of the money every month to rent a house, but the disadvantage is that you can't settle down, you can't enjoy the dividends of the city, and renting a house lacks a sense of belonging.

You may also face frequent moves.

Second, currency differences. There is an old saying that no matter how much the monthly payment is, it is also an asset, and no matter how little the rent is, it is also a consumption. Therefore, buying a house is equivalent to saving a sum of money for yourself, which can be used when you are old, and we can buy social security and pensions.

Pretty much a truth. If you choose to rent, you will get a lot of rent for one year and get nothing after ten years, while if you buy a house, you will get a house.

Third, the difference in appreciation. Although the property market has stagnated in recent years, and housing prices have been stable or even stable in recent years, this situation is also normal. After the real estate enters a stable period, it will not rise and fall as before, but will rise and fall.

In some areas without industry, housing prices will be inflated, while in some areas, the industry is strong and the population is sufficient, and housing prices will go up. Therefore, whether the price of buying a house can increase depends mainly on whether you choose the right city, the right plate, the right location, and the right house type.

In short, let's do what you can! If you have money, buy it, rent if you don't have it, don't put so much pressure on yourself.

The first point: the gap in mentality.

First of all, in terms of mentality, people who buy a house and those who don't buy a house will definitely have a different mentality in the future. Many people feel that if they don't take out a loan to buy a house, they will naturally have a good mentality, have a lot of money to use, don't have to repay the loan, and live a happy and easy life. But how can the ensuing stress be resolved?

The family urged you to get married, and because you didn't have a house or a car, no one looked down on you. One by one around them have become families, although they have the pressure of taking out loans to buy a house, but the days are on a normal track, and what about themselves? Is it to live with your parents for the rest of your life?

Or will you rent a house for the rest of your life? In terms of mentality, after 5 years, there is a big gap between those who have a house and those who don't.

The second point: the disparity in the cost of buying a house.

The second is the gap in the cost of buying a house, you must know that people who have not bought a house now, and want to buy a house again in 5 years, then there is a gap in the cost of buying a house. Do you think that with the progress of regulation, housing prices can really be like onions? The idea is too naïve.

Maybe after 5 years, you want to buy a house in a small city and you can still afford it, but a house in a big city, do you think it will go up or down after 5 years? Obviously, the possibility of rising is greater than the possibility of falling, at that time it was not easy to buy a house in Beijing, Shanghai and Guangzhou, and the cost of buying a house was far from now, and you may have to spend more money than now.

The third point: the gap in life.

In the end, there is a gap in life, many people who don't plan to buy a house yet, either live with their parents, or still live in a rented house, and they can't save much money, and their wages are all paid to the rent, and they regret it afterwards, and feel that they should use the rent money to buy a house. From a living point of view, renters often feel uncertain and feel pressured to pay their rent every year. And those who have a house, most of them have a home in a few years, and life is delicious, and they have entered the next stage of life.

In short, people who buy a house will still be more comfortable than those who don't buy a house. Buying a house is a financial pressure, but not buying a house is a psychological pressure. The house should be bought at any time, it's just a matter of morning and evening.

The difference between buying a house and not buying a house is very big, the house is a fixed asset, accounting for a large proportion of personal assets, the advantage of buying a house is to have a fixed residence, you can live and work with peace of mind, there is a sense of belonging, the disadvantage is that it occupies a large proportion of personal funds, or in order to buy a house, and choose a loan, thus increasing the burden of life. If you don't buy a house, you can live more easily, and you have extra funds to do other things, and the disadvantage is that you don't have a stable residence, which has a certain impact on your future life and marriage, so it's more reasonable to buy a house if you can.

Who doesn't want to buy a house, who doesn't want to have their own home, but to buy a house, you have to have the strength to sell a house. The difference between buying a house and not buying food is that if you buy a house, you will have the strength to buy a house, and if you don't buy a house, you will not have the strength to buy a house, and the fundamental difference is the difference in strength.

Let's not talk about the difference between buying a house and not buying a house, let's see how big the difference is between buying a house first and buying a house later. It could be tens of thousands, hundreds of thousands, or millions.

In the first half of 2017, a friend bought an off-plan house in a community, and the opening price was 8,000 yuan at that time. A friend raised money and finally booked a house. As local housing prices continue to rise, so do the housing prices in this community.

In 2019, the highest house price reached 16,000 square meters. At that time, my friend said that it was thanks to buying it early, otherwise I really couldn't afford it.

1. For people who "buy a house", except for a very small number of families with strong economic strength, the vast majority of ordinary families will still have very great economic pressure. For those who "don't buy a house", the financial pressure will naturally be much less.

Second, the risk of buying a house is the least, even in the context of property market regulation, there is no possibility of a sharp rise in housing prices, but there is no problem in maintaining value. In addition, from the perspective of the monthly payment pressure of buying a house, the currency depreciation caused by inflation will also dilute some of the monthly payment pressure. For example, ten years ago, when you took out a loan to buy a house, the monthly payment was 2,000 yuan, which was comparable to an "astronomical amount", but now, the monthly payment of 2,000 yuan is simply a kind of "happiness".

Third, people who buy houses will work harder and will not quit easily, after all, the mortgage needs to be repaid every month, and buyers dare not slack off easily. Once the habit of hard work is formed, it is very helpful for personal career development. Over time, you will find that those who are burdened with mortgages because of buying a house are not only not crushed by the mortgage, but their lives are slowly improving, and even a few years later, these people have bought a second house or changed to a bigger house.

People who do not buy a house often develop lazy and negative bad habits, and as a result, lead to the decay of their personal careers.

Fourth, the gap in children's education, high-quality educational resources are the biggest necessity to buy a house. By settling in the city, changing the living environment, and giving children a high-quality educational environment, they will broaden their horizons and increase their horizons, and will increase their chances of standing out in the future social competition.

Of course, there is a big difference between us not buying a house, buying a house shows that you have the financial strength and does not buy a house does not mean that you have no money. Selling a house to have a fixed residence, you can stay in a hotel every day without buying a house, buying a house means that you want to have a home of your own, and if you don't buy a house, you may want to wander around.

Hello, in fact, the gap between buying a house and not buying a house is still very large, which is also a way to say that it is different from the key point of view.

Those who buy houses have houses, and those who rent have nothing.

Taking first-tier cities as an example, the monthly rent is 2,500 yuan, 30,000 yuan a year, and 150,000 yuan for five years. According to the local house price of 20,000 square meters, buying a small three-bedroom 90 square meters requires 1.8 million, and the down payment of 30% is 540,000 yuan, and the gap is 390,000 yuan. The 390,000 yuan is honest, some of his savings, plus his parents', if it is not enough, he can borrow a little from relatives and friends, and then slowly repay the loan, so that although the days are tighter, the more he goes, the easier it is.

In addition, there is still a big gap between the life experience of renting and buying a house, after all, the golden nest and silver nest are not as good as their own kennels, and with a fixed accommodation, there is no need to worry about changing houses everywhere for work.

With the continuous improvement of the same rights of hire and purchase, the difference will become smaller.

Many people should have heard of the same right to rent and purchase, which means that even if you don't buy a house, you can enjoy the same treatment as a buyer. For example, tenants can also enjoy local educational resources, medical resources, etc., which is one of the reasons why many people choose to settle down in big cities to buy a house.

With the advancement of the same right to rent and purchase, all these "special rights" will become a thing of the past, and in the future, renting can also go to school and rent a house can also be settled, directly pulling buyers and renters on the same starting line.

Influence on the family side.

As the saying goes, it is difficult for a man to have a house, but it is difficult for a man to have a house. When it comes to marriage alone, the difference between having a house and not having a house can be much worse, at least it affects the number of people in our country, and at a small point it can reduce the number of singles. Having a house or not has a big impact on the happiness index of some families.

I believe that no mother-in-law is willing to marry her daughter to a "three-no" boy.

The difference between buying a house and not buying a house is in the end, this topic has always been a hot topic in real estate, the so-called "houseless people" actually roughly refers to "renters", as we all know, anyone must have a place to live, and if you can't buy a house to live, there is a high probability that you want to rent a house to live, so the difference between buying a house and not buying a house is essentially the difference between buying a house and renting a house. Looking at the various arguments on the Internet about these two relationships, all express the conclusion that buying a house is more cost-effective and renting a house outweighs the loss, which is correct in the housing price ** period in previous years, but with the arrival of a new real estate cycle, this statement is obviously outdated.

How big is the gap between "buying a house" and "not buying a house"? The state has a clear view: the same right to hire and purchase. Therefore, insiders believe that in the future, you can rent a house and buy a house, and enjoy the same conditions.

With the pilot and implementation of the same right to rent and purchase in the country, the difference between buying a house and not buying a house and renting a house is getting closer step by step, and after 3-5 years, maybe the difference between buying a house and not buying a house can not be seen.

The difference between buying a house and not buying a house is very big, buying a house can give you a stable and stable home, and if you don't buy a house, you will be in a wandering environment at any time, the stability of this person's life will bring great trouble, but after buying a house, you must take into account that your family pressure is relatively large.

How big is the difference between buying a house and not buying a house? There are benefits to buying a house and not buying a house. From a personal point of view, it is still necessary to decide whether to buy a house according to your own strength, because I think that whether it is renting or buying a house, it is undoubtedly a problem that needs to be thought out or solved for young people.

In the past, in addition to buying a house for living, it is also one of the directions for many people to invest, and I have to say that many people buy houses. has made a lot of money, and now the house is not speculation has been deeply rooted in the hearts of the people. The era of skyrocketing housing prices has passed, mortgage interest rates have risen, costs have increased, value-added income is much worse than before, and even some houses have been on a downward trend.

The asset gap between buying and renting is gradually narrowing, rent is consuming loans and has interest, many people buy houses not only for living, but also education, medical care, settlement, etc. In recent years, the call for the same right to rent and sell has become higher and higher, what is the same right to rent and sell? To put it simply, buying a house and renting a house enjoy the same rights and treatments.

Some people think that renting a house is insecure and feel that renting a house is to repay the mortgage to the landlord, it is better to buy a house by yourself, and some people feel that the pressure of buying a house is too great, and the job has not stabilized, renting a house can also meet daily needs, and now housing prices are at a high level, and young people can buy a house in full, all of them need to buy a house through a loan, if you can afford to pay it back, you can buy, but if you need to make up the mortgage for the down payment There is also pressure, then it is recommended that the purchase plan can be postponed.

Do the math how much it will cost you to renovate your home

With the development of the real estate market, housing sales are booming everywhere, and housing prices have remained high. Faced with such a situation, many people hesitate between buying a house and not buying a house, is it better to buy a house or not to buy a house? Many people will have such questions, so let's take a look!

Generally speaking, not buying a house will be more beneficial than buying a house, and the first price of housing is because of the increase in housing demand, so that the sales of real estate projects around the country are hot, which leads to the price increase of developers. To a certain extent, it means that buyers need to spend more money to buy a house than not to buy a house, which is obviously not cost-effective. In addition, with the saturation of demand in the future, many real estate projects tend to reduce prices, so it is not suitable to buy a house at present.

If you plan to buy a house in a small county, with a house payment of 600,000 yuan, a down payment of 200,000 yuan, and the rest of the house loan with a provident fund loan for 30 years, according to the relevant interest rate standards, you need to repay nearly 2,000 yuan per month, taking a ten-year mortgage as an example, which means that you have to repay 240,000 yuan in ten years.

If you don't buy a house and choose to rent a house, you will be able to rent 1,500 yuan per month, at a rate of return of 3%. In addition, since the national CPI aggregate is multiple, the average is six percentage points if rounded. The rent for the first year is 18,000 yuan, the second year is 19,080 yuan, and the third year is 20,225 yuan, and so on, and the rent after ten years is roughly about 29,000 yuan.

If you add up the rent paid for ten years, it is about 200,000 yuan, which is how much money you save compared to buying a house loan. At an interest rate of 5%, you can save nearly 300,000 yuan, so renting is still more economical than buying a house.

However, buying a house has always been a relatively common phenomenon in my country, not only for marriage, but also for my own work and children's schooling, and to find a sense of stability. In fact, whether to buy a house or not depends mainly on the buyer's own situation, if the economic situation is good, you can buy a house, which is considered an investment.

Hope the above, helpful.

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